What to Know Before Buying a Home in Boone, NC

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Get Familiar with the Lay of the Land in Boone, NC

Ready to lay down some roots and buy a house in Boone? Smart move! You picked a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and have the inside scoop on Boone's housing scene.

Boone is growing by the day, which means Boone homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Boone area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Boone and its neighboring areas still offer a variety of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream home! When looking to buy a house in Boone, consider the home's location in relation to your everyday activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Discovering different parts of Boone will help you see how the northern part differs from the southern part, where to find Boone's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Boone? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. You don't even have to stick with your decision to buy a house in Boone. We serve new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Boone.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Boone. Next, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Boone averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

It's Go Time! Buy a House in Boone, NC

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Boone, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Boone. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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